I will always want to be in EMS, but I want to do it on my own terms for giving back and personal fulfillment -- not to rely on it for my income.My current hurdle is that I do not have a lot of money to bring to the table, and my credit is in the lower 600's (which I am working to get up). 

He has to be comfortable that he CAN sell the property at anywhere close to what he believes it is worth, and that he isn't leaving a lot on the table by seeing if the city bounces back next year.

It may never happen, but happy she's at least supportive of you.BUT have a small table discussion about the quest for financial freedom and that one chart.   

If you partner and/or JV on properties, your (temporary) weaknesses on the credit/financial side may be overcome if you can bring other skills and talents to the table. 

Turning the table, are you on track to meet your 2021 goals?

Managing 9 tenants might be a handful being brand new so a property manager isn't off the table but that would lower the cash flow more than I would like. 

What do you bring to the table?

You can call them what you want but it's still 90% financing and if you make your offer as 80% you're going to get tripped up when you get to the contract which would state you're looking for 80% max in the financing/contingency portion, then later on in the seller's rider where you represent you have the additional 10% cash to bring to the table.

Any wisdom on how to go about this process and not leave any money on the table?

As a bonus my husband and I get to play on the pool tables the few times we have vacancy!